Walmart Pay users will not get cash back by paying with Chase Freedom, but they can get 5% Cashback by using Chase Pay at Walmart. Walmart (NYSE: WMT), America’s retailer accepts Chase Pay because it is a quick-read (QR) code based application like Walmart Pay. Although Chase Pay users can get 10% cash back at Walmart; if they pay with the Chase Sapphire or Freedom Unlimited Cards, before December 24, 2017, Nerdwallet reported.

Only 16% of Americans said they had used a mobile wallet in 2015, a JPMorgan Chase survey indicates. The same survey found that only 56% of large businesses and 25% of small businesses were accepting payments from such mobile wallets.

It is possible for hackers to steal the Apple Pay “payment token” using public Wi-Fi or a fake Wi-Fi hotspot that asks users to create a profile. In other they can crack Apple Pay by using a time tested hacking tactic called Wardriving.

France’s major banks are refusing to support Apple Pay, TechCrunch reported. Only two French banks; Caisse d’Épargne/Banque Populaire (it’s the same company) and Carrefour Banque, currently support Apple Pay. That’s bad because France is the only major Eurozone nation where Apple Pay is available.

Apple Pay launched in Ireland on March 7, Apple Insider reported. This means it is now available on the entire island. IPhone users can already use the app in Northern Ireland, which is part of the UK.

So far you can only access Visa (NYSE: V) and MasterCard (MA) through Microsoft Wallet. American Express and Discover are not mentioned at its website. Just eight banks are mentioned but only two major US banks accept it; Bank of America and US Bank. One major Canadian Bank TD Bank is also mentioned at the website. Chase is listed there as coming soon

It is possible to survive without a checking account; and even live a fairly normal middle class life in modern day America. There are actually a wide variety of excellent alternatives to checking out there.

The real conflict in brick and mortar app payment is that there are two very different technologies in widespread use. This makes systems incompatible and effectively drives a wedge between the different companies offering payment solutions and their customers.

Chase has become the first bank to go live with a mobile payment solution similar to Apple Pay; Chase Pay. The Chase Pay website is now live; although the solution itself is not yet accepted in any retailers. Instead the digital wallet supports a number of lesser online retailers; including Harry & David, and 1-800 Flowers, in what looks suspiciously like a beta test.

t looks as if Current C is probably dead, but at least two major new payment apps are rising from its ashes. Both Walmart Pay and Chase Pay have the potential to be far larger than Apple Pay, which is bad news for Apple Inc. (NASDAQ: AAPL). Those brands and not Apple Pay could be the future of payment.